Heartland Bank&Trust Co (FDIC #20369): Bank Stress & Real-Estate Credit Exposure
Heartland Bank&Trust Co (FDIC Cert #20369): bank stress 51/100, moderate, STABLE over 7 days; parent HBT FINANCIAL INC.
Heartland Bank&Trust Co (#20369) lends in 35 counties across 3 states; Heartland Bank&Trust Co (#20369) reaches 873 ZIP codes: Illinois 31 counties, 760 ZIPs; Iowa 3 counties, 66 ZIPs; Missouri 1 county, 47 ZIPs.
Heartland Bank&Trust Co (#20369) largest markets: Cook County, IL (890 branches, 178 ZIPs) (#20369), St. Louis County, MO (47 branches, 47 ZIPs) (#20369), Will County, IL (135 branches, 45 ZIPs) (#20369), Lake County, IL (36 branches, 36 ZIPs) (#20369), Madison County, IL (108 branches, 36 ZIPs) (#20369), Champaign County, IL (105 branches, 35 ZIPs) (#20369).
Heartland Bank&Trust Co (#20369) reports $6.72 billion in total assets; Heartland Bank&Trust Co (#20369) equity $877.5 million (13.1% of Heartland Bank&Trust Co (#20369) assets); Heartland Bank&Trust Co (#20369) domestic deposits $5.78 billion; Heartland Bank&Trust Co (#20369) net income $44.4 million; Heartland Bank&Trust Co (#20369) return on assets 1.43%; Heartland Bank&Trust Co (#20369) return on equity 11.16%; Heartland Bank&Trust Co (#20369) net interest income $128.5 million; Heartland Bank&Trust Co (#20369) call report June 30, 2026.
Heartland Bank&Trust Co (#20369) noncurrent real-estate loans: none reported; Heartland Bank&Trust Co (#20369) residential 0.02%; Heartland Bank&Trust Co (#20369) net charge-offs on real estate 0.21%; Heartland Bank&Trust Co (#20369) residential charge-offs 0.10%.
Heartland Bank&Trust Co (#20369) net interest margin 4.41% against an eight-quarter Heartland Bank&Trust Co (#20369) average of 4.22% (Heartland Bank&Trust Co (#20369) compression -0.20 points); Heartland Bank&Trust Co (#20369) non-residential real estate 10.1% of equity; Heartland Bank&Trust Co (#20369) rate-exposure score 40/100, Heartland Bank&Trust Co (#20369) fixed-rate trap 40/100; Heartland Bank&Trust Co (#20369) risk type credit driven; Heartland Bank&Trust Co (#20369) rate regime rates elevated, Heartland Bank&Trust Co (#20369) snapshot October 20, 2026.
Heartland Bank&Trust Co (#20369) stress score moved from 58.1 on June 22, 2026 to 51.1 on October 20, 2026; Heartland Bank&Trust Co (#20369) ranged 51.1 to 58.1 over 117 snapshots.
Heartland Bank&Trust Co (#20369) alerts: 35 counties; top Heartland Bank&Trust Co (#20369) alert scores: Marion County, IL 46 (moderate); Henry County, IL 42 (moderate); Washington County, IL 42 (moderate); Peoria County, IL 38 (moderate); Antioch County, IL 20 (low).